What is covered | Black Box Insurance

Our black box insurance covers young drivers aged 17-30 as the main driver of their own car. For drivers aged 17-21, all we ask is that a parent or guardian is added as a named driver.

We provide comprehensive cover for full and provisional licence holders on cars up to 25 years old in most UK postcodes, including Northern Ireland. Both our Annual and Pay As You Go black box insurance options offer the same level of cover.

Pay As You Go Insurance customers

We’re no longer offering Pay As You Go Black Box insurance on a young driver’s own car. If you already have this type of cover with us, your policy will expire on the anniversary of the date you originally took out the policy – this is to ensure that you still have the opportunity to earn your No Claims Discount for the year. Until this date, you can still top up your miles as normal.

If you have any questions, we’re on hand via Live Chat so just get in touch.

What does Black Box Insurance cover?

Legal liability for death or injury to any other person, including passengers:
Legal liability for damage to other people's property up to £20,000,000:
Damage to your vehicle:
Windscreen repair/ replacement:
Personal accident benefits - for the driver or their spouse for death or loss of limbs/sight up to age 69:	Up to £5,000
Medical expenses:	Up to £150 per person
Personal belongings:	Up to £350
Foreign use:	Minimum cover throughout Europe and travel by land, sea or air to those countries.

This summary does not describe all the Ts&Cs of your policy, so please take time to read full details about the cover in the Policy Booklet when you get your insurance quote.

Policy Excess

The excess is the amount you would need to pay in the event of a claim. If you choose a voluntary excess, you will pay this in addition to the compulsory excess. In the event of a windscreen claim, you would only be required to pay the windscreen excess.

Compulsory excess	up to £350
Voluntary excess	up to £500
Windscreen excess	up to £75 using approved repairer (£100 using an alternative repairer)

Cancelling your policy

If you decide to leave us, here's what to expect:

The price you pay for your insurance includes an administration fee, which is non-refundable in the event of cancellation.
For policies purchased on or after 6th January 2023, the administration fee, the pro-rata premium for the time you have been insured, and a cancellation charge will be deducted from the price you paid for your policy (this includes the insurer charge + 12% IPT, and a Marmalade charge).
For policies purchased before 6th January 2023, the administration fee, the pro-rata premium for the time you have been insured and a cancellation charge will be deducted from the price you paid for your policy (this includes the insurer charge + 12% IPT, and a Marmalade charge).
In the event of a claim being made, regardless of when the policy is cancelled, the full insurance premium is payable and there will be no refund given.
If Marmalade or our underwriters cancel the policy, we will refund the part of the initial premium, payable by you, and cancellation fees will only apply if you have not adhered to the conditions of the policy.
If we declare your policy void on the grounds of fraudulent activity, we will be entitled to keep any premium you have paid.
The same charges apply if you cancel your policy within the 14-day cooling off period.

Other fees and charges

Policy administration fee: The price you pay for your insurance includes a non-refundable administration fee.
At the time you contact us to make the change, we'll let you know the total price to be paid, including any fees, taxes and charges separately from the premium, so that you know the full breakdown value before any changes are completed.

Making changes: If you make changes to the policy during the policy term, we will charge a fee to make a mid-term adjustment.

Read full Terms of Business (PDF 640KB)

If the telematics tag is faulty we will replace this free of charge.
If you tamper with or damage the device, a fee will be payable to replace the device.